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summary of benefits this is only a summary of the benefits please read ... the policy document carefully for the complete ... details of what we will pay and what we will not pay and which ... types of cover are provided under each plan importantly please note that exclusions ... apply to the cover and these are set out in the policy document section 9 travel ... credit cards travellers cheques pg 37 cover to replace costs of travel ... documents lost or stolen from you during your journey ... such as ­ passports ­ credit cards ­ travel documents ­ ... cheques section calculating your chi premium step 1 step 2 step 3 step 4 step 5 ...